Search found 1160 matches

by Quickfoot
Sat Sep 14, 2019 10:48 pm
Forum: Personal Consumer Issues
Topic: BMW - extended warranty?
Replies: 28
Views: 2037

Re: BMW - extended warranty?

It's VERY uncommon to have the amount of warranty work done on a vehicle, the main problem with modern vehicles is actually the infotainment system. If you are having 10K of warranty work done on a vehicle at 90K miles that's a huge indicator of very poor quality with the vehicle. In the early 2000'...
by Quickfoot
Sat Sep 14, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: BMW - extended warranty?
Replies: 28
Views: 2037

Re: BMW - extended warranty?

The problem with CPO warranties is the odds of using a CPO warranty is almost zero. I bought a CPO 5 series and purchased the warranty, cancelled it two months later and got a refund on the warranty. The problem with extended car warranties is anything major that's going to fail will do so under fac...
by Quickfoot
Sat Sep 14, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: BMW - extended warranty?
Replies: 28
Views: 2037

Re: BMW - extended warranty?

The problem is that’s a sample of one where you happened to get “lucky” and recover your premium. No modern car engine should need replacement under 200k, BMW has higher than average reliability. Extended warranties almost never pay out and when they do you almost never recover your premium.
by Quickfoot
Fri Sep 13, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: Laptop for aging parents
Replies: 43
Views: 2950

Re: Laptop for aging parents

I would absolutely not recommend an Apple laptop. They used to be king for quality but they lost that status about 4 years ago. Apple laptops have had persistent quality issues as a result of their design for the past 4 to 5 years. Apple has denied there are problems, refused to do repairs under war...
by Quickfoot
Fri Sep 13, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: Laptop for aging parents
Replies: 43
Views: 2950

Re: Laptop for aging parents

I would also suggest a chrome book. The amount of transfer is determined by how much they use it and what content they consume. The right question is “is 5 to 10 gb enough for the way they will use it?” If they are just going to browse web pages then yes. If they are going to stream video for hours ...
by Quickfoot
Fri Sep 13, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 10791

Re: How old is your cellphone?

It’s about 6 months old, iPhone XS. I got the xs because it has an extremely good LTE modem that’s better than the XR and I hotspot you my laptop a lot. We will be passing on the iPhone 11 but I will likely get the 12 due to redesign and 5G.
by Quickfoot
Fri Sep 13, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage refi - pull cash out?
Replies: 25
Views: 2091

Re: Mortgage refi - pull cash out?

Pulling cash out to invest isn't a horrible idea as long as you can carry the mortgage in the case of job loss and recession. Where I have a problem with people pulling cash out is when it's to buy something they couldn't otherwise afford, my brother in law pulled cash out to buy a truck he wanted b...
by Quickfoot
Fri Sep 13, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: Home upgrade question
Replies: 19
Views: 2098

Re: Home upgrade question

In our area it's actually not legal, finished basement does not add to the square footage of the house. There is a separate field that tracks unfinished / finished basement square footage but finished basement is treated as a lower class of square footage. Finished basement can increase the value of...
by Quickfoot
Fri Sep 13, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score Jump With Student Loan Refinancing
Replies: 4
Views: 553

Re: Credit Score Jump With Student Loan Refinancing

Take a look at what impacts a FICO score at https://blog.myfico.com/5-factors-determine-fico-score/ Your score likely will drop back to what it was and possibly even a few points lower. #1 The new lender does a hard pull of your credit, hard pulls can account for 10% of your FICO, how much a single ...
by Quickfoot
Fri Sep 13, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Home upgrade question
Replies: 19
Views: 2098

Re: Home upgrade question

Forever houses are very rarely forever. If you do the work make sure you keep your receipts and related documentation, work like this increases the cost basis of your house which minimizes capital gains in the case of appreciation > 500K. Seems crazy but our house will appreciate 500K in less than 8...
by Quickfoot
Mon Sep 09, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: I'm gonna need a bigger TV...
Replies: 36
Views: 4790

Re: I'm gonna need a bigger TV...

Don't worry about an extended warranty on a TV, electronics that are going to fail typically fail within the first 90 days. The repair rate on electronics past a year is almost zero so 2 and 4 year warranties really don't matter. You do not need a $2,500 tv to watch sports, any modern 4K TV from any...
by Quickfoot
Mon Jul 22, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Enhanced Multi-factor authentication for Vanguard
Replies: 9
Views: 1299

Enhanced Multi-factor authentication for Vanguard

Mulfi-factor authentication has come up a few times regarding Vanguard, their default implementation is a text messaged based authentication which is better than no MFA but has several areas of attack, most notably it isn't terribly hard to get a cell phone provider to active a new SIM and hijack a ...
by Quickfoot
Thu Jun 27, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: Fuel type for 2 month car storage
Replies: 36
Views: 2492

Re: Fuel type for 2 month car storage

Chevron puts a fuel stabilizer in their gas already which allows it to be stored for up to a year. Cheap gas doesn’t have fuel stabilizers added. For 60 days it shouldn’t matter for much longer than that you want a stabilizer to prevent fuel breakdown, this breakdown will happen whether or not it ha...
by Quickfoot
Fri Jun 14, 2019 10:53 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 60
Views: 5785

Re: Anyone buy Security Cams from Costco?

The default magnetic mount does use a screw, you probably could improvise an adhesive mount rather than using a screw. Thread on adhesive mounting of Arlo cameras: https://community.arlo.com/t5/Arlo/What-are-my-options-for-adhesive-mounting/td-p/7198 Depending on climate you can use 3M Commander tap...
by Quickfoot
Fri Jun 14, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 60
Views: 5785

Re: Anyone buy Security Cams from Costco?

Arlo Pro cameras store to the cloud and will also write to local storage. If someone is cutting your power or jamming wifi you have much larger problems than your cameras and keeping them online with local storage isn't going to help you. I'd actually prefer the video go to the cloud, it prevents th...
by Quickfoot
Fri Jun 14, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 6415

Re: 50 or 75 gallon water heater?

Also you don't need to choose between thankless and a tank water heater, you can get a water heater booster which is a small on demand water heater that is installed on the out valve of your water heater, when it detects that your water temperature drops below a threshold it will kick in and give a ...
by Quickfoot
Fri Jun 14, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 6415

Re: 50 or 75 gallon water heater?

In addition to larger tanks you can also run the heater at a higher temperature, that results in using less hot water because you don't need as much of it to get the desired temperature. Do be careful because too high will produce scalding water on the hot setting. Like a previous poster said a 50 g...
by Quickfoot
Fri Jun 14, 2019 12:52 pm
Forum: Personal Investments
Topic: Purchasing home with less than 20% downpayment experiences?
Replies: 52
Views: 4034

Re: Purchasing home with less than 20% downpayment experiences?

I was wondering, for those of you who purchased a home with less than a 20% downpayment, what was your experience like? Did the costs end up being higher than you anticipated? Were there hidden issues that you did not foresee?? Were your rates higher as a result? And would you recommend it? I am co...
by Quickfoot
Fri Jun 14, 2019 12:50 pm
Forum: Personal Investments
Topic: Investments for Children - equity percentage
Replies: 11
Views: 508

Re: Investments for Children - equity percentage

I did 80% equity, 20% fixed income, I actually reviewed performance at least once a month, more when there was volatility. I WANTED volatility to help my children become comfortable with normal asset valuation changes.
by Quickfoot
Fri Jun 14, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 60
Views: 5785

Re: Anyone buy Security Cams from Costco?

Another thing to consider is wifi coverage, a single wifi router is unlikely to provide strong enough through wall signal for a large house. My house is 3000 sqft and I use a 3 node Velop mesh wifi network, excellent in house signal but well insulated exterior walls drastically cut down wifi strengt...
by Quickfoot
Fri Jun 14, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 60
Views: 5785

Re: Anyone buy Security Cams from Costco?

I have 5 Nest exterior cameras installed at my house, they are outstanding cameras but require power, the benefit is they record 24x7 not just when they detect motion. I've also used Arlo Pro cameras they are very good but don't record unless they detect motion UNLESS they are connected to power. I'...
by Quickfoot
Mon Jun 10, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa credit limit
Replies: 48
Views: 6175

Re: Costco Visa credit limit

I have both those cards and ~ 10K limits on each, which is significantly lower than most my other cards (Chase gave me >30K on both Marriott and Hyatt). There must be something else going on, if you are wanting higher limits maybe look at cards from other companies.
by Quickfoot
Mon Jun 03, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Where do I buy term life insurance? What are the best companies?
Replies: 14
Views: 1532

Re: Where do I buy term life insurance? What are the best companies?

I've used ReliaQuote to buy 3 policies; it lets you adjust coverage and terms and see the resulting premium for multiple companies in real time.
by Quickfoot
Mon Jun 03, 2019 11:42 am
Forum: Investing - Theory, News & General
Topic: You May Never See Your Grandchildren Again
Replies: 83
Views: 15135

Re: You May Never See Your Grandchildren Again

Fear is an extremely effective short term motivator; unfortunately it tends to be used to manipulate people into making poor choices. This is one of my worst fears for my wife if I pass before her. Think I’ll leave instructions for our investments and point her in the direction of this forum. I'm 38...
by Quickfoot
Mon Jun 03, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 97
Views: 12629

Re: How long have you been unemployed?

38, I work in information technology (20 years now) and I've been laid off twice but never missed a day of work. Both times I was laid off another team heard I was available and created positions to hire me.
by Quickfoot
Sun Jun 02, 2019 11:12 am
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 9080

Re: Do you regret taking a pay cut for quality of life?

One thing to consider is if you move to a lower cost of living area you can take a pay cut on paper and maintain effectively the same quality of life or sometimes even increase it. Many people that live in HCOL areas like the bay area, LA or NY believe they can't leave those areas but they can. Decr...
by Quickfoot
Sun Jun 02, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: What to do with old unused laptops?
Replies: 17
Views: 2124

Re: What to do with old unused laptops?

There are also organizations that will take older but not broken computers and repair them and then donate them to families in need. They tend to be local organizations. BestBuy / Staples and other companies usually have "recycling" programs as well. There have been numerous reports that recycling i...
by Quickfoot
Sun Jun 02, 2019 8:42 am
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 9080

Re: Do you regret taking a pay cut for quality of life?

Quality of life is important, money won’t make you happy. You cannot be miserable at work and happy at home. Maybe, maybe not. Work is trading time for money. I am okay with that. Doesn't impact home/family life. Yes working is necessary, but being unhappy or miserable at work has a profound effect...
by Quickfoot
Sat Jun 01, 2019 11:15 pm
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 9080

Re: Do you regret taking a pay cut for quality of life?

Quality of life is important, money won’t make you happy. You cannot be miserable at work and happy at home. Ten years ago I took a 20% pay cut going from a very large megacorp that could best be described as dysfunctional and borderline abusive to employees to a non profit that truly valued its emp...
by Quickfoot
Fri May 31, 2019 11:31 pm
Forum: Personal Consumer Issues
Topic: Getting out of timeshare
Replies: 13
Views: 2909

Re: Getting out of timeshare

My grandmother just got out of a timeshare with deed in lieu of foreclosure. In her case she hadn’t been able to pay the yearly membership for a number of years. Your options typically are to sell it to someone (this can take take a long time), pay fees to get out or let them get close to foreclosur...
by Quickfoot
Fri May 31, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 60
Views: 5316

Re: How to save on prescription drug costs?

Ask your pharmacist if the prescribed med has a similar generic drug that has a mechanism of action like the brand name drug with similar effectiveness. Ask your Dr to change the order to that generic. You can go beyond generic and ask for different medications. Most insurance plans have websites o...
by Quickfoot
Tue May 28, 2019 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 138
Views: 12526

Re: House not selling

You will be better off taking it off the market for a couple weeks and relisting. That will get you the initial burst of people seeing the property again and allow you to avoid a long price cut history which indicates a seller under pressure. A lot of people get automatic email alerts when matching ...
by Quickfoot
Mon May 27, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Using blacklight for cleaning
Replies: 13
Views: 1555

Re: Using blacklight for cleaning

Blacklight seems like a solution in search of a problem. There has been a trend over the past 15 years or so for people to try to live in microbe free homes; this isn't healthy. Use quality cleaners and clean on a frequent enough schedule and you should be fine. If you can't see it, feel it or smell...
by Quickfoot
Mon May 27, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have success getting their company to amend its 401k plan?
Replies: 8
Views: 642

Re: Anyone have success getting their company to amend its 401k plan?

I was actually able to get my last company to make Vanguard funds available in our 401k and then also to move our entire plan to Vanguard and get access to institutional funds. Any time you are talking to management you need to help explain why it is important to the company, how it helps reduce ris...
by Quickfoot
Sun May 26, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Extended auto warranty - who to buy from, if you want to
Replies: 40
Views: 2577

Re: Extended auto warranty - who to buy from, if you want to

The problem is with modern automobiles the power train is extremely unlikely to have any major problems during the term of either the factory or an extended warranty. Modern cars can easily do 200K miles, trucks last longer and can do 250K+ miles before having major power train problems. If there AR...
by Quickfoot
Sun May 26, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Extended auto warranty - who to buy from, if you want to
Replies: 40
Views: 2577

Re: Extended auto warranty - who to buy from, if you want to

The only extra offer that's really worth it is GAP insurance, it is already included in leases but is not included in purchased vehicles. It is especially important to get GAP insurance if you are buying a new car because you will have negative equity as soon as you close or a used one and will have...
by Quickfoot
Thu May 23, 2019 9:41 pm
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 122
Views: 13954

Re: Is the housing market starting to collapse?

It's more than likely not going to collapse, it will likely gradually slow until inflation makes prices more reasonable. Very unlikely we will see anything like the 2008 collapse again in our lifetimes. Sales are down but so is inventory and starts in most places, makes sense sales would be down whe...
by Quickfoot
Wed May 22, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3842

Re: Another Honda maintenance thread

Dealers make most their money in service, with modern fluids you do NOT need to change them more frequently than manufacturer recommendation. People that change transmission fluid every 15-20K miles aren't necessarily hurting anything but they aren't helping anything either. Car maintenance has esse...
by Quickfoot
Tue May 21, 2019 11:17 pm
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3842

Re: Another Honda maintenance thread

Save yourself a lot of headache and just follow factory maintenance. 200K miles is NOT a lot of miles to put on a modern car, Ford expects a Ford Focus to not need ANY major power train work until 250K miles with normal factory maintenance. With computer enhanced manufacturing and tight tolerances a...
by Quickfoot
Tue May 21, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: Computer speed question which computer is faster and why?
Replies: 22
Views: 1669

Re: Computer speed question which computer is faster and why?

i7 and i3 have many iterations. Here's a comparison of like chips respectively. https://cpu.userbenchmark.com/Compare/Intel-Core-i7-8700K-vs-Intel-Core-i3-550/3937vsm632 SSD drives are really fast and can make booting 20-40 seconds instead of 3-5 minutes. But after the boot, you are not going to en...
by Quickfoot
Mon May 20, 2019 5:48 pm
Forum: Personal Consumer Issues
Topic: Do handymen typically guarantee work?
Replies: 20
Views: 1609

Re: Do handymen typically guarantee work?

Parts snapping / breaking generally mean you overloaded it, or have a poor quality product unless the handyman supplied or recommended the product I wouldn't expect them to cover the cost of fixing it. Coming out of the wall or other installation issues could be a reflection on the quality of their ...
by Quickfoot
Mon May 20, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: Microsoft Wireless Display Adapter Alternative?
Replies: 15
Views: 1348

Re: Microsoft Wireless Display Adapter Alternative?

Make sure you have good wifi signal, wifi performance drops quickly as signal strength drops. The chromecast ultra costs a bit more but it has an ethernet port so if you have ethernet near your TV it may be worth getting. You can also get an ethernet adapter for the standard chromecast at: https://s...
by Quickfoot
Mon May 20, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Dealing with construction noise
Replies: 27
Views: 1899

Re: Dealing with construction noise

No different than moving into a subdivision that isn't built all the way (which we did in December). Subdivisions have noise restrictions so they are only allowed to work during certain hours. Keep your windows closed and use headphones as necessary, I use my Sonos sound system a lot too. I'm a data...
by Quickfoot
Mon May 20, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: Microsoft Wireless Display Adapter Alternative?
Replies: 15
Views: 1348

Re: Microsoft Wireless Display Adapter Alternative?

No wireless screen mirroring technology is going to keep up with face paced videos. The problem with wireless HDMI is HDMI is inherently high bandwidth (18 gbit/s), it is better to use something like a Firestick and connect that to your TV HDMI port, then setup a media server (you can get them free...
by Quickfoot
Mon May 20, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: Microsoft Wireless Display Adapter Alternative?
Replies: 15
Views: 1348

Re: Microsoft Wireless Display Adapter Alternative?

No wireless screen mirroring technology is going to keep up with face paced videos. The problem with wireless HDMI is HDMI is inherently high bandwidth (18 gbit/s), it is better to use something like a Firestick and connect that to your TV HDMI port, then setup a media server (you can get them free)...
by Quickfoot
Mon May 20, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Microsoft Wireless Display Adapter Alternative?
Replies: 15
Views: 1348

Re: Microsoft Wireless Display Adapter Alternative?

All my Smart TVs have built in wireless display technology. The problem isn't MIcrosoft's adapter, it's what you are doing with it. The adapter is meant to be used for things like slide presentations, software demos, etc and NOT streaming video. Nearly all wireless display protocols have problems wi...
by Quickfoot
Sat May 18, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: Tired of a reel mower
Replies: 42
Views: 4284

Re: Tired of a reel mower

I have the 80v Greenworks mower and it does a fantastic job cutting. I actually was able to mow my lawn 4 times before charging with the 4ah battery. It does ramp up and down based on density of the grass but that hasn't been a problem.
by Quickfoot
Sat May 18, 2019 9:34 pm
Forum: Personal Consumer Issues
Topic: When to buy a vacation home
Replies: 26
Views: 2956

Re: When to buy a vacation home

In my opinion you'd be better off doing VRBO or AirBNB during the times you can get away, lower risk and you aren't locked into one location. LIke another poster said values plummet during poor economic times and can take longer to recover because the primary demand isn't as a primary residence. It ...
by Quickfoot
Sat May 18, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: When to buy a vacation home
Replies: 26
Views: 2956

Re: When to buy a vacation home

Vacation homes generally aren't good ideas financially. Occasionally they make sense but keep emotion and desire out of it and make sure you are looking at it logically. How much do you want every vacation to be to the same location, how about your family? Most often people are better off renting th...
by Quickfoot
Thu May 16, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Logistics of splitting tuition costs with child
Replies: 79
Views: 4295

Re: Logistics of splitting tuition costs with child

Ultimately if they have 100K debt from a bachelor degree they went to the wrong school. A lot of the problem these days is students see college as an experience rather than education. They will go spend 120K getting a bachelor degree when they could spend 40K on a comparable program from a different...